An urban commuter in a red hoodie and earbuds glances at his smartphone
Articles November 2023
Optimizing the Customer Journey: The keys to succeeding in digital distribution for life insurance

This article from  discusses how life insurers can navigat...

Read More
A woman wearing a headset listens with empathy to a customer's concerns
Articles November 2023
The Right to Manage Claims: How Insurers Can Reconcile Claims, Customers, and Conflicts

It is never easy or enjoyable to deliver bad news to a customer. In an article that , explore new strategies in...

Read More
A profile image features Natalie Ho
Articles November 2023
Refreshed ˿ƵAPP Brand | Natalie Ho

In this Inside ˿ƵAPP interview, Natalie Ho discusses ˿ƵAPP’s refreshed brand, including the inspiration behind its key visual elements.

Read More
Young couple looking at a laptop
Articles November 2023
New Tools, New Risks: Digitization in the AI Age
For insurers, digitization continues to evolve, providing greater functionalities, analytical capabilities, and more. In this article, Dr. Dhiraj Goud discusses the many new tools now available to the industry, their benefits, and their challenges.  Read More
A girl looks at a graded test with an "A+" grade on the paper
Articles October 2023
Actuaries Take On AI: How Well Can ChatGPT and GitHub Copilot Handle Real Actuarial Tasks?
Class is in session! We quizzed ChatGPT and GitHub Copilot on typical actuarial tasks to test their current strengths and limitations. The results reveal how actuaries can gain efficiencies by implementing AI tools in their technical day-to-day work.   Read More
A pair of retirees look over an ipad with information about their pensions.
Research and White Papers October 2023
Tomorrow's Challenge but Today's Opportunity: Bridging the retirement income protection gap

In an aging world, understanding and responding to a growing retirement protection gap is not just an economic and societal imperative; it's a significant opportunity for life insurers. ˿ƵAPP’s David Lipovics offers lessons learned from the success of pension risk tran...

Read More
A female physician in a labcoat clutches an ipad
Articles October 2023
˿ƵAPP Global Mental Health Survey Part IV: Claims
This is the final article of a four-part series that also includes an overview and articles ... Read More
A ship navigates through crashing waves.
Articles October 2023
Navigating Troubled Waters

This article delves into the theme of World Food Day 2023, exploring how water can impact human health, as well as the effects of climate change and environment factors on the accessibility of clean and safe water.

Read More
An image of Dr. Sajel Kana at ˿ƵAPP
Articles October 2023
Genetics in Insurance | Dr. Sajel L. Kana

As discoveries within the field of genetics grow exponentially, the field's importance to insurance medicine continues to grow. In this Inside ˿ƵAPP interview, ˿ƵAPP Consultant Geneticist Dr. Sajel L. Kana, MD, FAAP, FACMG, describes her commitment to genetics a...

Read More
An older woman smiles and looks at a health app on her phone while sitting on a yoga mat and holding a silver water bottle.
Articles October 2023
Ethics of Ecosystems: Strengthening the evolving healthcare paradigm
Health insurers are increasingly turning to ecosystems to provide a range of products and services. This article discusses how health ecosystems underpinned by a strong ethical framework can optimize and expand how insurers serve their customers. Read More
A girl and an older man plan a tree seedling together
Articles October 2023
How Life Insurers Can Meet the Needs of the Green Consumer

Responding to customer demands for action on climate change, insurers are exploring “green insurance” products and approaches that raise awareness around sustainability and directly support green initiatives.

Read More
Senior woman playing chess with nurse at care center
Articles October 2023
LTCI: A Rewarding Opportunity
In this article from , LTCI experts Harvey Brandvein and Nathan Berggoetz explain why the need fo... Read More
A man smiles while explaining a document to a colleague
Articles October 2023
˿ƵAPP Global Mental Health Survey Part III: Underwriting
This is the third article of a four-part series that will also include an overview and articles further exploring the survey’s ... Read More
African American man points at a computer screen displaying analytics and data
Articles September 2023
AI is Already Reshaping the Insurance Industry: How should regulators respond?
The Geneva Association recently published a comprehensive report on the use and regulation of AI in the insurance industry. AI is a key part of the digital transformation of insurance, the report says, and its associated risks are already familiar to insurers.  Read More
A pair of African American women review an analysis on a computer.
Research and White Papers September 2023
Multivariable Mortality Modeling, Survival Analysis, and Machine Learning

This article from provides an overview of mortality modeling under the survival analysis framework, machine learning methods, ext...

Read More
A smiling businesswoman talks on a smartphone while seated before her laptop
Articles September 2023
˿ƵAPP Global Mental Health Survey Part II: Product Development

This is the second article of a four-part series that will also include an overview and articles exploring the survey’s impl...

Read More
Woman running to lose weight
Articles September 2023
Wegovy, Trulicity, Ozempic… Oh My!

In this article from On the Risk, Dr. Lauren Garfield explores the increased use of GLP-1 receptor agonist drugs to combat obesity and the potential impact on underwriting.

Read More
Wellbeing ˿ƵAPP ReFlections Vol 60
Publications September 2023
ReFlections Volume 60, September 2023
View autism through an insurance lens, better understand bladder cancer, improve lifestyle factors on mortality and morbidity, and more.
Read More
ReFlections Update on Autism Spectrum Disorder
Research and White Papers September 2023
Update on Autism Spectrum Disorder Part 2: Through an insurance lens

This article, the second of two parts, provides a comprehensive review of the insurance medicine view of ASD and issues around its assessment when underwriting. Read more about autism through a clinical lens in 

Read More
Man having doctor consultation for bladder cancer
Research and White Papers September 2023
Bladder Cancer: Overview, treatment challenges, and trends

This article provides background on bladder cancer, with a particular focus on current and in-development treatments for non-muscle-invasive disease.

Read More